New customer

View our range of lifetime mortgages designed to help you tackle the ever-growing demands of later life and put you in control of a brighter financial future.
Explore our lifetime mortgages

Existing customer

Explore the support available to you and find out how to access further funds, report a change in circumstances or make a repayment.
Support for existing customers

Benefits of a lifetime mortgage

The lifetime mortgages available from Standard Life Home Finance provide access to several features. With all Standard Life Home Finance lifetime mortgages, you can:
Make voluntary repayments - if you choose to make repayments, you can pay up to 10% of the original loan amount every year with no early repayment charges (ERCs)
Retain ownership of your home - you will not be required to sell or sacrifice ownership of your property during the term of your lifetime mortgage. Subject to T&Cs.
Remain living in your home – you’ll have the right to live in your home during the term of your lifetime mortgage, or until you or the last remaining applicant move into long-term care .
Move home in the future - if you need to move to a smaller property in the future and it doesn’t meet the lender's criteria, you can repay your loan in full without facing any ERCs
Avoid negative equity - our no negative equity guarantee feature means you can never owe more than your property is worth
Remain on a fixed interest rate – you’ll be protected against any future interest rate increases with an interest rate fixed for life

Want to know more?

Speak with a member of the Standard Life Home Finance team and find out more about our lifetime mortgages.